Cheap Auto Insurance in Cedar Hills, UT

Cedar Hills drivers pay an average of $1,729/year — $42 less than the national average. With 124 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $505/year.

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Cedar Hills, UT Auto Insurance Rates by Carrier (2026)

Estimated full coverage auto insurance rates for Cedar Hills, UT from top carriers. Rates are adjusted for Cedar Hills's 124 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:

Insurance Company	6-Month Premium	Monthly Cost
USAA ⭐	$575	$96/mo
GEICO	$654	$109/mo
Bear River Mutual	$693	$116/mo
Progressive	$739	$123/mo
State Farm	$806	$134/mo

Estimates based on 2026 rate filings for ZIP 84062. USAA is cheapest at ~$96/mo. Actual rates vary by driver profile and exact Cedar Hills location.

Auto Insurance in Cedar Hills: What Drives Your Rate

Cedar Hills is a smaller city in Utah with a population of 10,019. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as snow, ice, inversions, flash flooding, dust storms, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Cedar Hills.

Key Risk Factors in Cedar Hills

Traffic & Commute: Cedar Hills drivers face an average commute of 21.1 min. Traffic ranks low for the state. Major routes include I-15, I-80, I-215, US-89 — all high-accident corridors that inflate premiums.
Crashes & Fatalities: Cedar Hills sees 124 crashes annually — including 1 fatal crashes. That's significantly within range of what insurers expect for a city of 10K residents.
DUI & Impaired Driving: With 27 DUI arrests per year in Cedar Hills, impaired driving is a major cost factor. A single DUI can increase premiums 60-80% for 3-5 years.
Vehicle Theft: Cedar Hills's vehicle theft rate is 1.8 per 1,000, directly affecting comprehensive insurance costs. Anti-theft devices and secured parking can lower your premium.
Weather Risks: Cedar Hills drivers contend with snow, ice, inversions, flash flooding, dust storms. Comprehensive coverage is essential here — and these claims push rates up across the board.
Uninsured Drivers: Cedar Hills's 6% uninsured rate is near the Utah state average of 6%, raising UM/UIM costs for insured drivers.

For official Utah insurance regulations, visit the Utah Insurance Department. For driver licensing, see the Utah DMV.

Auto Insurance Rates by ZIP Code in Cedar Hills, UT

Your specific ZIP code within Cedar Hills can swing your premium by hundreds of dollars. Here's how rates compare across Cedar Hills neighborhoods:

ZIP Code	Neighborhood	Avg. Annual	Monthly
84077	Cedar Hills South Side	$1,610/yr	$134/mo
84064	Cedar Hills North Side	$1,705/yr	$142/mo
84078	Cedar Hills West Side	$1,725/yr	$144/mo
84064	Cedar Hills East Side	$1,740/yr	$145/mo
84062	Cedar Hills Downtown/Central	$1,899/yr	$158/mo

The cheapest ZIP is 84077 (Cedar Hills South Side) at $1,610/yr. The most expensive is 84062 (Cedar Hills Downtown/Central) at $1,899/yr — a $289/year difference for the same driver.

Auto Insurance Rates by Age in Cedar Hills, UT

Age is one of the biggest rating factors in Cedar Hills. Here's how rates differ by age group:

Age Group	Avg. Annual	Monthly	vs. City Avg
Teen (16-19)	$3,631/yr	$303/mo	+110% vs avg
Young Adult (20-25)	$2,421/yr	$202/mo	+40% vs avg
Adult (26-35)	$1,729/yr	$144/mo	0% vs avg
Mid-Career (36-50)	$1,522/yr	$127/mo	-12% vs avg
Senior (51-65)	$1,435/yr	$120/mo	-17% vs avg
65+	$1,539/yr	$128/mo	-11% vs avg

Teens in Cedar Hills pay an average of $3,631/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,435/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.

How to Get the Cheapest Auto Insurance in Cedar Hills

Compare at least 3+ carriers — call (888) 217-6781 and we'll compare 5+ carriers for free. USAA is often cheapest in Cedar Hills at ~$96/mo, but your profile may get a better deal elsewhere.
Check your ZIP carefully — moving from Cedar Hills Downtown/Central (84062) to Cedar Hills South Side (84077) could save $289/year. If you've recently moved within Cedar Hills, update your address immediately.
Combat Cedar Hills's theft rate — with a 1.8 per 1,000 vehicle theft rate, installing anti-theft devices (GPS trackers, steering locks, VIN etching) can earn 5-15% discounts on comprehensive.
Bundle policies — combining auto + home/renters in Cedar Hills can save 10-25%. Ask about multi-car discounts if your household has 2+ vehicles.
Defensive driving in Cedar Hills — with 124 crashes/year, completing a state-approved defensive driving course can lower premiums 5-10% and improve your safety on I-15, I-80, I-215, US-89.
Raise your deductible strategically — going from $500 to $1,000 saves 15-25% on collision/comprehensive. With Cedar Hills's average commute of 21.1 min, weigh the trade-off carefully.
Review every 6 months — Cedar Hills's insurance market shifts regularly. What was cheapest last renewal may not be cheapest now, especially after Utah's latest rate filings.

Utah Auto Insurance Guides

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Cedar Hills, UT Auto Insurance FAQ

How much is car insurance in Cedar Hills, UT?

The average annual auto insurance premium in Cedar Hills is $1,729, which is $42 below the national average. Rates range from $1,610/yr in Cedar Hills South Side (ZIP 84077) to $1,899/yr in Cedar Hills Downtown/Central (ZIP 84062). Your driving record, age, vehicle, and exact ZIP code all affect your rate.

Who has the cheapest auto insurance in Cedar Hills?

USAA typically offers the cheapest full coverage in Cedar Hills at around $96/month. However, with 124 annual crashes and a 6% uninsured driver rate in Cedar Hills, rates vary widely — comparing quotes from multiple companies is essential. Call (888) 217-6781 for a free comparison.

What auto insurance is required in Cedar Hills, UT?

Cedar Hills follows Utah state law requiring minimum liability of 25/65/15. However, with 124 crashes per year and 1 fatal crashes annually in Cedar Hills, experts recommend at least 50/100/50 coverage plus comprehensive and collision to protect against Cedar Hills's risks including snow, ice, inversions, flash flooding, dust storms.

Can I get a free auto insurance quote for Cedar Hills?

Yes! Call Rate Reduction Insurance at (888) 217-6781 for a free, no-obligation quote. Our licensed agents compare 5+ carriers to find the cheapest rate for your specific Cedar Hills ZIP code — whether you're in Cedar Hills South Side or Cedar Hills Downtown/Central. Most quotes take under 2 minutes.

Why is car insurance affordable in Cedar Hills?

Cedar Hills has 124 crashes per year, 27 DUI arrests annually, and a vehicle theft rate of 1.8 per 1,000. Despite these factors, Cedar Hills's 21.1 min average commute and lower traffic density help keep rates manageable compared to larger metro areas. Comparing quotes regularly is the best way to save.

What ZIP code has the cheapest car insurance in Cedar Hills?

ZIP code 84077 (Cedar Hills South Side) tends to have the lowest rates in Cedar Hills at around $1,610/year. The most expensive area is Cedar Hills Downtown/Central (ZIP 84062) at $1,899/year — a difference of $289/year for the same driver profile.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Utah Insurance Department — official state insurance regulator for Utah.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Utah DMV — Utah vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

Cheap Auto Insurance in Cedar Hills, UT

Cedar Hills, UT Auto Insurance Rates by Carrier (2026)

Cedar Hills Driving Safety & Insurance Stats

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